Multi-use near field communication front end on a point of sale system

ABSTRACT

Methods and systems related to near field communication (NFC) front ends for point of sale terminals are disclosed. One point of sale system includes an applications microprocessor programmed to: (i) instantiate an operating system for the point of sale system and (ii) generate a set of data packets. The system also includes a discrete microcontroller communicatively coupled with the applications microprocessor and programmed to: (i) selectively operate in an unsecure mode and a secure mode; and (ii) filter, when operating in the unsecure mode, the set of data packets received from the applications microprocessor using a filter and a whitelist for the filter. The system also includes a near field communication front end communicatively coupled to the discrete microcontroller and an antenna, for transmitting a near field communication signal based on information from the set of data packets via the antenna.

CROSS REFERENCE TO RELATED APPLICATIONS

The application is a continuation of U.S. patent application Ser. No.16/442,210 filed on Jun. 14, 2019, which is a continuation-in-part ofU.S. patent application Ser. No. 15/698,462, filed on Sep. 7, 2017, bothof which are incorporated by reference herein in their entirety for allpurposes.

BACKGROUND

The term near field communication (NFC) refers to a type ofcommunication that involves minute wireless data transfers betweendevices over limited distances. The technology is rooted inradio-frequency identification technology (RFID). NFC does not refer toa single communication specification as numerous incompatible platformshave been developed in the NFC space. These specifications include thosedeveloped by ISO/IEC, the NFC Forum, the GSMA Group, the EMV Company,and others. Furthermore, each NFC platform can include multiple modes ofcommunication that are each individually practiced by separate devices.For example, one device could execute the NFC Forum Reader/Writer modebut not the NFC Forum Peer-to-Peer mode. The resulting technologylandscape can be confusing to people who expect a device that engages inNFC communication to be able to communicate with any other device thatuses NFC. However, this is not the case, and enabling a device to beinteroperable with two different NFC platforms can be technicallychallenging.

SUMMARY

This disclosure relates to point of sale (POS) devices capable ofobtaining payment information from an NFC enabled device, encrypting thepayment information, and transmitting the payment information to acentral processor for payment. Specifically, this disclosure relates toPOS devices that can communicate via multiple NFC specifications using asingle NFC front end. One of the NFC specifications can be used toobtain payment information that is processed by a first securemicroprocessor while another one of the NFC specifications is used toobtain unsecure information that is processed by an applicationsmicroprocessor. Benefits associated with some of the disclosedapproaches include the reduced bill of materials and design effortresulting from a reduction in the number of antennas and front-endhardware required by a single POS device, and the improved userexperience associated with a device that conducts all NFC communicationsvia a single location on the device. This disclosure includes specifictechnical approaches directed to enabling a POS device to communicateusing multiple NFC protocols with a single NFC front end.

FIG. 1 illustrates a POS device 100 with an integrated NFC antenna 101.The POS device 100 also includes a printed circuit board 102 with an NFCcontroller 103 and a discrete microcontroller 104. As illustrated, POSdevice 100 is displaying a prompt on display 105 indicating that theterminal is primed to receive payment information via NFC antenna 101.In response to such a prompt, a customer of the merchant operating theterminal could transmit payment information to NFC antenna 101 byholding an NFC-enabled payment card 106, with an NFC antenna 107, abovePOS device 100. The payment information could be transmitted inaccordance with the EMVCo L1 NFC specification. The POS device may beequipped to read many different NFC cards for purposes of processingpayments. However, POS device 100 can also, with the same hardwareelements, communicate with another NFC device using a completelydifferent specification. For example, POS device 100 could communicatewith a store card 108 with an NFC antenna 109 using a less secure NFCprotocol such as that defined by the NFC Forum Reader/Writerspecification or that defined by the NFC Forum NCI stack. POS device 100can therefore obtain payment information from NFC enabled payment cardsusing NFC as well as communicate with low-cost NFC tags.

Approaches disclosed herein include the use of a discretemicrocontroller that can selectively instantiate one of at least twodifferent NFC stacks, where each NFC stack is tailored for a specificuse. The discrete microcontroller communicates with both an NFC frontend and an applications microprocessor for the POS device. The discretemicrocontroller can be coupled between the NFC front end and theapplications microprocessor for this purpose. The POS device operates intwo different modes depending upon which of the two different NFC stacksis instantiated. The POS device can engage in communication with twodifferent external devices via NFC using two incompatible andindependent NFC protocols in the two modes. However, switching betweenthe two modes does not require any change in the hardware along the pathof communication between the external device and the applicationsmicroprocessor, and instead all that is involved is a change in theimpedance of solid state devices and the use of different software.

In certain approaches, the discrete microcontroller can selectivelyinstantiate a first NFC stack for an NFC payment processing protocol anda second NFC stack is for a less secure protocol. The terminal could bereferred to as being in a payment processing mode when the first NFCstack was instantiated. In these approaches, the discretemicrocontroller can also serve as a secure microprocessor for the POSdevice and can encrypt payment information received via the NFC frontend and payment processing NFC protocol for transmission to a paymentsprocessor. The discrete microcontroller can also encrypt paymentinformation received on the POS device from other channels such as froma contact chip card reader, a magnetic stripe reader, a personalidentification number pad, an integrated touch screen, or any otherchannel for receiving payment information. The discrete microcontrollercan also serve as the payments kernel for the POS device. In theseapproaches, the discrete microcontroller can be transparent to anoperating system on the applications microprocessor and can tunnel datafrom the NFC front end to the applications microprocessor while thesecond stack is instantiated and the terminal is in an unsecure mode,and can receive and encrypt payment data from the NFC front end whilethe first stack is instantiated and the terminal is in the paymentprocessing mode.

In certain approaches, the discrete microcontroller is renderedtransparent to an NFC service on the applications microprocessor byaugmenting an operating system of the applications microprocessor with amaster communication service that administrates interrupts between thetwo NFC stacks, and sends remote procedure calls to retrieve buffereddata on the discrete microcontroller. The NFC service of the operatingsystem can be modified slightly to interoperate with the mastercommunication service but the core of the operating system does not needto be modified.

In one approach, a POS system includes an NFC front end communicativelycoupled to an antenna, a discrete microcontroller communicativelycoupled with the near field communication front end, and an applicationsmicroprocessor communicatively coupled with the discretemicrocontroller. The discrete microcontroller stores a first softwarestack for a first NFC protocol, and a second software stack for a secondNFC protocol. The applications microprocessor instantiates an operatingsystem for the POS system and a master NFC service. The discretemicrocontroller is programmed to, selectively and in response to themaster NFC service, instantiate: (i) the first software stack exclusiveto the second software stack; and (ii) the second software stackexclusive to the first software stack. The first and second softwarestacks are independent. The first NFC protocol and the second NFCprotocol are different and incompatible.

In one approach, additional security measures are applied to account forthe use of the same antenna for secure information and unsecureinformation. For example, the first stack could be used for securelyprocessing sensitive information while the second stack could be a lesssecure stack. The first stack could be the EMVCo L1 NFC stack used forprocessing payment information from payment cards. The second stackcould be the NFC Forum NCI stack and be used for processing less secureinformation. Furthermore, the POS system could be designed such that themanufacturer of the POS device controlled the implementation of theEMVCo L1 NFC stack while third party developers were authorized toutilize the NCI stack. For example, the third-party developers could beauthorized to utilize the NCI standard to allow applications developedfor the operating system of the standard processor, to communicate withthe NFC controller. In these approaches, additional security iswarranted because otherwise third-party developers, or unscrupulousparties that have hacked the third-party software, could use the NCIstack to access information from payment cards. To counter this, thediscrete microcontroller could be augmented with filtering technology toprevent the transfer of commands or data to and from the applicationsprocessor with the NFC antenna. The filtering technology could be apacket filter. The filtering technology could include a whitelist forthe filter.

In another approach, a method of operating a POS system includes storinga first software stack for a first NFC protocol on a discretemicrocontroller, storing a second software stack for a second NFCprotocol on the discrete microcontroller, instantiating an operatingsystem for the POS system on an applications microprocessor,instantiating a master NFC service on the applications microprocessor,and digitizing an NFC near field communication signal using an NFC frontend. The method also includes, selectively processing, on the discretemicrocontroller and as selected by the master NFC service, the digitizedNFC signal with one and only one of the first software stack and thesecond software stack. The operating system controls the NFC front endsolely via the master NFC service. The first NFC protocol and the secondNFC protocol are different and incompatible.

In another approach, a POS system includes an NFC front endcommunicatively coupled to an antenna, a discrete microcontrollercommunicatively coupled thereto, and an applications microprocessor(applications processor) communicatively coupled to the discretemicrocontroller. The discrete microcontroller stores a first softwarestack for a first NFC protocol, a second software stack for a second NFCprotocol, and instructions to process a digitized NFC signal from theNFC front end with the first software stack. The applications processorstores instructions to instantiate an operating system for the point ofsale system, instantiate a master NFC service, and transmit a remoteprocedure call from the master NFC service to the discretemicrocontroller to switch between the first software stack and thesecond software stack.

In another approach, a point of sale system comprises an applicationsmicroprocessor programmed to instantiate: (i) an operating system forthe point of sale system; and (ii) a master NFC service for switchingthe point of sale system between an unsecure mode and a secure mode. Thepoint of sale system also comprises a discrete microcontrollercommunicatively coupled with the applications microprocessor andprogrammed to, in response to the master NFC service switching the pointof sale system to the unsecure mode, filter a set of packets receivedfrom the applications microprocessor using a filter and a whitelist forthe filter. The point of sale system also comprises a near fieldcommunication front end communicatively coupled between the discretemicrocontroller and an antenna, for transmitting a near fieldcommunication signal based on information from the set of packets viathe antenna.

In another approach, a point of sale system comprises an applicationsmicroprocessor programmed to: (i) instantiate an operating system forthe point of sale system and (ii) generate a set of data packets. Thepoint of sale system also comprises a discrete microcontrollercommunicatively coupled with the applications microprocessor andprogrammed to: (i) selectively operate in an unsecure mode and a securemode; and (ii) filter, when operating in the unsecure mode, the set ofdata packets received from the applications microprocessor using afilter and a whitelist for the filter. The point of sale system alsocomprises a near field communication front end communicatively coupledto the discrete microcontroller and an antenna, for transmitting a nearfield communication signal based on information from the set of datapackets via the antenna.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates a point of sale (POS) device that can communicatewith both a payment card and a near field communication (NFC) tag usinga single NFC frontend in accordance with some of the disclosures herein.

FIG. 2 illustrates a block diagram of a set of components in a POSdevice that uses a single NFC front end for two incompatible NFCprotocols.

FIG. 3 illustrates a block diagram of how a filter on the discretemicrocontroller in FIG. 2 could prevent the illicit retrieval of paymentinformation from a payment card when the POS device is operating in anunsecure mode.

FIG. 4 illustrates a flow chart for a set of methods that allow a POSdevice to communicate using two different NFC protocols using a singleNFC front end.

FIG. 5 illustrates a block diagram of a set of components in a POSdevice that uses a single NFC front end for two incompatible NFCprotocols with an emphasis on the physical connections between thecomponents.

FIG. 6 illustrates a ladder diagram for a set of methods executed by thecomponents of FIG. 5 in which an NFC Forum Reader/Writer protocol isused to obtain data from an external device.

FIG. 7 illustrates a ladder diagram for a set of methods executed by thecomponents of FIG. 5 in which an NFC Forum Reader/Writer protocol isinterrupted by the detection of payment data.

FIG. 8 illustrates a ladder diagram for a set of methods executed by thecomponents of FIG. 5 in which an NFC Forum Reader/Writer protocol isdenied due to the ongoing execution of an NFC payment processingprotocol.

FIG. 9 illustrates a ladder diagram for a set of methods executed by thecomponents of FIG. 5 in which an NFC Forum Reader/Writer protocol isinterrupted by the execution of an NFC payment processing protocol.

DETAILED DESCRIPTION

Methods and systems for multi-use near field communication (NFC) frontends are disclosed. An NFC front end receives signals from an antennaand conducts initial processing on the signals to condition them for useby a host system. Generally, an NFC front end includes an analoginterface for connecting to an antenna (e.g., a modulator/demodulator, aphase locked loop, a filter, a transmitter, a receiver, an oscillator,an analog-to-digital converter, etc.), and a bus interface forconnecting to a host (e.g., a USB, UART, SPI, or I²C interface). An NFCfront end can be implemented in a single integrated circuit withexternal connections to connect the analog interface to an externalantenna, and the bus interface to an external bus. In accordance withthe following approaches a single NFC front end can be used fordifferent and incompatible NFC protocols. In particular, one of theprotocols can be an NFC payment processing protocol and one of theprotocols can be a basic or less secure NFC communication protocol. Infurther accordance with some of the following approaches, the samehardware can be used to receive payment information data from the NFCantenna of a POS system for secure processing, and tunnel other datafrom that same NFC antenna to an applications microprocessor of the POSsystem.

Approaches disclosed herein include the use of a discretemicrocontroller that can selectively instantiate one of at least twodifferent NFC stacks, where each NFC stack is tailored for a specificuse. The NFC stacks can be independent software stacks. The NFC softwarestacks can be referred to as independent because they exist wholly inmutually exclusive physical memory locations and can individually beused to implement their protocols. As used herein, a protocol “stack”refers to a set of computer readable instructions and associated datathat can be utilized by a computer to implement a low-level driver andan associated state machine which will allow the computer to talk to adifferent computer that operates the protocol. The discretemicrocontroller can be configured such that it stores two protocolstacks in an internal or external nonvolatile memory, and instantiates afirst software stack exclusive to a second software stack by loading thefirst software stack from memory and vice versa. The internal memorycould be a nonvolatile memory such as a flash memory of the discretemicrocontroller. The external memory could be a discrete flash memory onthe same printed circuit board as the discrete microcontroller. Theprotocol stack can be instantiated on the discrete microcontroller usinga bootloader or BIOS. The protocol stack could also be instantiated onthe discrete microcontroller using a higher-level system, including amicro-operating system of the discrete microcontroller. The softwarestacks could facilitate communication protocols that utilize the samefrequency when transmitting through the air between two devices. Indeed,such approaches would be beneficial in that the hardware of the NFCfront end would not need to be overtly modified to facilitatecommunication in either mode and could be implemented with a statichardware configuration. The discrete microcontroller could selectivelyand alternatively instantiate either software stack to communicate inaccordance with the related protocol. The discrete microcontroller couldalso initialize the NFC front end to be compatible with a specific NFCprotocol such as by sending a signal to tune the antenna or filters ofthe NFC front end.

The discrete microcontroller and NFC front end can be components of alarger system. The system can be said to be operating in different“modes” when the discrete microcontroller and NFC front end are beingused to process signals in accordance with different NFC protocols. Inspecific approaches, the discrete microcontroller could be a componentof a POS system. For example, the discrete microcontroller could be asecure microprocessor for the POS system. The secure microprocessorcould store encryption keys to encrypt payment information received bythe POS system. The secure microprocessor could also implement a securekernel for the POS system. The encryption keys could be stored in asecure memory on the secure microprocessor which is configured to deletethe encryption keys in case of a tamper detector indicating that the POSsystem was undergoing a malicious physical attack. The securemicroprocessor could be covered by a secure tamper mesh to prevent anddetect tampering with the secure microprocessor. In a payment processingmode, payment information could be received by the NFC antenna andsecure microprocessor using an NFC payment processing protocol. In analternative mode, unsecure information could be received by the NFCantenna and secure microprocessor using a basic NFC communicationprotocol. The NFC payment processing protocol could be the EMV Co L1protocol. The basic NFC communication protocol could be an NFC Forumprotocol such as the NFC Forum Reader/Writer protocol or the NFC ForumNCI protocol.

In specific approaches, the disclosed hardware configuration and methodsof operation will facilitate EMV compliance for the POS system becausethe software stack and library associated with the EMV Co L1 protocolcan be stored on the discrete microcontroller in an unmodified form. Asthe two or more stacks on the discrete microcontroller are fullyindependent, and the POS system is configured to instantiate the stacksin a mutually exclusive manner, they do not need to be changed toaccommodate the use of another protocol even though they both use thesame front end. As will be described below, the handoff between theprotocols can also be handled by a higher-level system and can becompletely transparent to the two stacks. Therefore, one stack can beindependently modified while another stack can remain in a certifiedstate as recorded by a third party, such as EMV Co., and loaded into thediscrete microcontroller. For example, a new updated NFC ForumReader/Writer library drop could be integrated into the POS systemwithout affecting a separate payment processing stack.

FIG. 2 is a block diagram 200 of the components of a POS system thatutilizes a single NFC front end for two or more different NFCcommunication protocols. Block diagram 200 includes an antenna 201, anNFC front end 202, a discrete microcontroller 203, and an applicationsmicroprocessor 204. As illustrated, the discrete microcontroller 203includes a secure microprocessor for the POS system and it is locatedwithin a tamper mesh 205. The NFC front end 202 can digitize incomingNFC signals received from external devices via antenna 201 and cangenerate NFC signals for transmission to external devices via antenna201 based on information from applications microprocessor 204 ordiscrete microcontroller 203. The information can be encapsulated inpackets generated by the applications microprocessor 204 or discretemicrocontroller 203 in accordance with NFC protocols. The informationcan include requests for information or commands sent to the externaldevices as well as responses to those requests and commands sent fromthe external device.

In accordance with specific embodiments of the invention disclosedherein, the antenna 201 and NFC front end 202 can communicate withdevices that operate incompatible NFC protocols. The incompatible NFCprotocols that the system is designed to facilitate will be selectedfrom a set that utilizes the same frequency as they are transmittedthrough the air. More generally, the protocols could still beincompatible at the physical level of the OSI model, but could utilizephysical electromagnetic signals of roughly the same majorcharacteristic. Benefits accrue to these approaches in that the hardwareimplementation of NFC Front End 202 and antenna 201 can be staticregardless of which mode the POS system is operating in. In certainapproaches, the antenna and front end can be electrically tuned for agiven mode, but will remain in a static hardware configuration. Discretemicrocontroller 203 can instantiate one of at least two NFC stacks andtune NFC Front End 202 to communicate with the various devices. Thestacks can be instantiated by loading the stacks from nonvolatile memoryinto RAM. The process for loading a stack, such as the EMV Co L1 stack,from nonvolatile memory into RAM can be as fast as a few hundredmilliseconds. Therefore, even in the situation where the appropriatestack is not currently instantiated when it is needed by a customer, thetime it takes to instantiate the stack is negligible compared to anacceptable level of latency for a typical customer point of saleexperience involving NFC.

Discrete microcontroller 203 can selectively instantiate a firstsoftware stack for a first NFC protocol or a second software stack for asecond NFC protocol. The two stacks can be instantiated exclusive to thealternative stack. While instantiating either stack, discretemicrocontroller 203 could buffer data received from NFC Front End 202until applications microprocessor 204 requested the data. The firstprotocol could be for an NFC payment processing protocol and the secondcould be a less secure or basic NFC communication protocol such as anNFC tag reader protocol. In such situations, discrete microcontroller203 could additionally encrypt payment information received from the NFCFront End 202 before sending it on to applications microprocessor 204 orsending it to a payment processor directly. The payment processor couldbe a network-accessible remote payment processor. The encryption processcould involve the use of payment keys such as those generated by a DUKPTkey management scheme. As such, discrete microcontroller 203 could storea DUKTP key set and could also store additional keys or certificates.Discrete microcontroller 203 could include a secure kernel for all thecomputation and functionality provided by the POS system. Discretemicrocontroller 203 could be configured to delete its keys andcertificates if tamper mesh 205 was disrupted or any other sensor in thesystem indicated that a tamper had occurred.

Applications microprocessor 204 could be the master processor of the POSsystem. Applications microprocessor 204 could instantiate an operatingsystem, such as an Android Operating System or an equivalent, and runapplications with the operating system such as a main registerapplication for the POS system. The operating system could includeservices such as an NFC service. If the operating system were Android,the NFC service could be the Android NFC service. Applicationsmicroprocessor 204 could also instantiate a master NFC service. Themaster NFC service could be instantiated using firmware. The firmwarecould be loaded using a BIOS or bootloader. The firmware could be loadedfrom an internal or external nonvolatile memory.

The Applications microprocessor 204 could include installed applications208 for increasing the utility of the POS system. The installedapplications could be developed by third parties (i.e., not by themerchant-operator of the POS system or the manufacturer of the POSsystem). If the operating system was the Android Operating System, theapplications could be Android applications. The installed applicationscould include payroll, inventory management, loyalty program, couponprogram, and other types of applications. Some of these installedapplications could require information from NFC devices through antenna201. For example, a loyalty program application may need a loyaltyprogram customer identifier from a tap of a customer's phone, and acoupon application may need a coupon code from a specialized reusableNFC coupon tag. The applications could interface with the NFC front end202 for purposes of receiving information from and/or sendinginformation to external NFC devices. The applications could interfacewith the NFC front end 202 via the NFC service of the operating system,while the master NFC service could be transparent to the installedapplications 208. As a result, applications would not need to be customdesigned to operate with a system in accordance with FIG. 2.

The master NFC service could render discrete microcontroller 203transparent to the operating system of applications microprocessor 204by handling the transitions between the various NFC operating modes forthe operating system and allowing the discrete microcontroller to tunneldata to the applications processor when the POS system is operating inan unsecure mode. The master NFC service could achieve this with the useof direct communication with both the NFC service of applicationsmicroprocessor 204 and the kernel or operating system of discretemicrocontroller 203. Direct communication could be utilized to acceptcommands from and deliver data to the NFC service and to providecommands to and deliver data to and from the discrete microcontroller.The discrete microcontroller 203 could selectively instantiate one ofits stored software stacks in response to the master NFC service.

The two arrows overlying the components of FIG. 2 illustrate the flow ofdata through the diagram in two modes of operation for the POS system.In a payment processing mode, data flows from a device having paymentinformation, such as the illustrated NFC-enabled payment card, alongdata flow line 206. In an alternative or unsecure mode, data flows froma device having less sensitive information for transmission, such as theillustrated smartphone in NFC-tag emulation mode, along data flow line207. The smartphone could include an application used to track loyaltypoints or some other non-payment related application that interacts witha point of sale system. Data flow line 206 could include processing ondiscrete microcontroller 203 using an NFC payment processing protocolafter discrete microcontroller 203 had instantiated a first softwarestack for that protocol. The processed payment data could then beencrypted on the discrete microcontroller 203 and subsequently sent toapplications microprocessor 204 for transmission through a network to apayments processor, or directly to the payments processor via a directnetwork connection to discrete microcontroller 203. Data flow line 207could include processing on discrete microcontroller 203 using a basicNFC communication protocol using the second software stack. Theprocessed information could then be tunneled to the applicationsmicroprocessor 204. The processed information could ultimately beprovided to an installed application 208.

The switch over required for the POS system to facilitate data flow line206 as opposed to data flow line 207 could be limited to a change inwhich software stack was instantiated by discrete microcontroller 203.In certain approaches, the switch could also involve a nominal change inNFC Front End 202 and antenna 201 such as electrically tuning the filteror changing the impedance of solid state devices in either block of thediagram.

The connections between the blocks in block diagram 200 are illustratedas generic single line connections. As illustrated, discretemicrocontroller 203 could be connected to NFC front end 202 using asingle connection such as a USB, SPIO, UART, or I²C bus. However, thecommunication can occur on multiple lines between the blocks. Forexample, applications microprocessor 204 and discrete microcontroller203 could be connected using two separate external buses such as a USBline and a UART line. Based on the application 208 running onapplications microprocessor 204, one of the lines could entirely blockthe other line such that the two elements in the block diagram wereconnected by two totally separate channels. However, the connectionbetween applications microprocessor 204 and discrete microcontroller 203could also be provided via a single channel.

Communication between the applications microprocessor 204, discretemicrocontroller 203, and NFC front end 202 could be conducted throughexternal buses. The buses could be wires or traces on a printed circuitboard. The external buses could route signals between the devices suchthat the devices were thereby communicatively coupled. Communicationsbetween applications microprocessor 204 and discrete microcontroller 203could be conducted using inter-processor lines. Discrete microcontroller203 could include a buffer for temporarily storing data that is meant tobe tunneled through to applications microprocessor 204 untilapplications microprocessor 204 sends a request for the data. All of thedevices in block diagram 200 could be located on the same printedcircuit board and all inter-block lines could be provided by traces onthat printed circuit board. Furthermore, the difference between dataflow line 206 and the portion of data flow line 207 that terminates atdiscrete microcontroller 203 can involve the same physical routing atthe board or system level of the diagram. In specific embodiments of theinvention, the unsecure mode mentioned herein can involve the POS systemallowing information from the NFC antenna to follow data flow paths thatcontinue on to the applications processor such as data flow line 206,and the secure mode mentioned herein can involve the POS system causinginformation from the NFC antenna to follow data flow paths that are heldfor encryption by the discrete microcontroller such as data flow line207.

FIG. 3 is another illustration of block diagram 200 which can be used todescribe additional security measures that can be applied to account forthe use of the same antenna for secure information and unsecureinformation. In specific embodiments of the invention, a POS systemoperating in a secure mode will instantiate a first stack on discretemicrocontroller 203 for processing payment information from NFC-enabledpayment devices received on antenna 201, and will instantiate a secondstack on discrete microcontroller 203 for conducting operations withnon-payment NFC devices on antenna 201. The unsecure mode can be used toallow applications, such as application 208, to have access to NFCfunctionality via antenna 201 and the second stack. However, sinceinformation on data flow line 206 can continue all the way through tothe applications processor in the unsecure mode, care must be taken toassure that data from an NFC-enabled payment device is not inadvertentlyaccessed by the applications 208 if the device is brought into proximity301 of antenna 201 while the device is in the unsecure mode.

In specific embodiments of the invention, care must be taken withapplications 208 having access to antenna 201. Specifically, theapplications may be compromised with malicious software 300 specificallydesigned to illegally obtain payment information. These compromisedapplications could then cause packets 303 to be transmitted to thediscrete microcontroller for purpose of obtaining payment cardinformation or conducting other unscrupulous operations involving thedelivery of commands to and the retrieval of information from, a secureexternal NFC device. For example, the packet could be an EMV commandpacket such as SELECT (AID) with the AID being the address of a paymentcard account number. It is important for these packets to not reach theNFC device as they could lead to the unauthorize exposure ofinformation. Furthermore, regardless of the possibility of intentionalhacking of applications 208, errors in the application code or packetdata could lead to a similar situation. In either situation, the packetsshould not be delivered to the payment card.

To prevent the unauthorized access of payment card data while the deviceis operating in an unsecure mode, the discrete microcontroller could beaugmented with filtering technology. In FIG. 3, the filtering technologyis illustrated as a module 302 instantiated on the discretemicrocontroller 203. The module 302 could include a filter and awhitelist for the filter. The module could be a code module instantiatedwhen data was received by the discrete microcontroller. The module couldbe part of a remote procedure call sent from the applications processorto instruct the discrete microcontroller to transmit information via theNFC antenna. The filter could be a packet filter. The filter could be abroad filter used to filter out any packets generated by applicationsmicroprocessor 204 and received at discrete microcontroller 203 thatincluded specific commands or addresses. The whitelist could allowpackets that would otherwise have been filtered out by the filter tonevertheless pass through the discrete microcontroller 203. Packets froma set of packets generated by applications microprocessor 204 that arenot filtered could be delivered to NFC front end 202 to allow the NFCfront end 202 to produce a near field communication signal based on theinformation in the packets. Packets from the set of packets generated byapplications microprocessor 204 that are filtered out could be deleted.The process of deleting the packet could be accompanied by preparing afilter report for transmission to a POS network operator or themanufacturer of the POS system. The process of preparing the reportcould include making a copy of the packet for inclusion in the report.The packet could be packaged and quarantined for this purpose.Regardless, the filtered packets would be blocked by the filter andwould not continue on to the NFC front end for conversion into an NFCsignal.

In specific embodiments of the invention in which the filter is a packetfilter, the packet filter could be configured to analyze and filterpackets based on the information contained in the packet, the type ofpacket, information in the header of the packet, the address of thepacket, a command type associated with the packet, and a variety ofother factors. In general, the filter can be a broad filter thatprevents the transmission of any commands that can request payment datafrom the NFC device or otherwise place the device in a condition inwhich the payment data is more likely to be accessible. The filter canbe instantiated when the unsecure mode is activated or can becontinuously instantiated and only act to filter when the unsecure modeis activated. The filter can be implemented as a remote procedure callon the discrete microcontroller. The remote procedure call can be a callfor sending data from the applications microprocessor for transmissionby the NFC antenna. The filtering action of the remote procedure callcould involve allowing the data to be delivered to the kernel of thediscrete microcontroller if it is not filtered and taking no action ifthe data is filtered (thereby effectively blocking the data fromtransferring further toward the NFC antenna). In specific embodiments ofthe invention, the call can be generated by the master NFC service andcan contain the data for transmission via NFC.

The filter could be based on a set of addresses common to any NFCprotocol utilized for payments. NFC protocols that are otherwiseincompatible are generally still regulated under higher level standardsthat can be utilized to formulate filter criteria that will be commonacross all the protocols that might share an antenna such as antenna201. The filter criteria could be address prefixes associated withpayment information addresses on NFC-enabled devices. For example, inspecific embodiments, the POS systems disclosed herein may utilizeincompatible NFC protocols that all commonly utilize applicationidentifiers (AIDS) in compliance with ISO/IED 7816-5. In this example,the filter could be based, at least in part, on a list of ISO/IEC 7816registered application identifier prefixes. In specific embodiments, thelist of AID prefixes could be: 0xA00, 0x00, 0xA4, and 0x04. In aspecific embodiment, any packet including these addresses could befiltered out. The high-level pre-fixes could be selected to encompassevery AID associated with a payment device. The filter could be broad asa result, and many non-payment card AIDS will lead to false-positivefiltering events.

The filter could be based on a set of commands common to the paymentcard protocols the POS system is configured to operate with. If the POSsystem was configured to interoperate with multiple contactless paymentdevice protocols, the commands could be drawn from each of the variousprotocols. Commands for payment devices that the device was notconfigured to operate with would already be filtered, in a sense, due tothe fact that the device would not be inherently configured to generatethose commands. For example, if the NFC Front End was compatible withEMVCo protocols, the filter could filter out any packet including thefollowing EMV commands: SELECT PSE, SELECT PPSE, GET PROCESSING OPTIONS,and SELECT (X). In this example, the “X” could be a list of addresses.The addresses could be the AIDS mentioned in the preceding paragraphsuch as: 0xA00, 0x00, 0xA4, and 0x04. For reference, SELECT PSE andSELECT PPSE are both commands that request a list of AIDS supported bythe NFC device, GET PROCESSING OPTIONS provides a list of communicationprotocols the NFC device will support, and the SELECT (X) commandprepares a specific address “X” on the NFC device for communication inthe sense that selecting a file in a standard operating system opens thefile to allow for transfer of information into and out of the file.Again, the filter can be made over-inclusive to ensure that all paymentdevice communications are blocked. However, this broad filtering willalso filter out many non-payment devices. As such, whitelistingtechnology can be deployed to allow a merchant to provide functionalitywith these specific non-payment devices.

The whitelist can be based on numerous factors. For example, thewhitelist could effectively cancel the filtering operation for: certaincombinations of commands and addresses, entire commands that wereotherwise filtered, or any command with a specific address. Thewhitelist could be based on a set of AIDS. In specific embodiments ofthe invention, where the broad filter is based on address prefixes, thewhitelist could be based on suffixes in the same address system. Inspecific embodiments of the invention the whitelist could be based, atleast in part, on a list of ISO/IEC 7816 registered applicationidentifier suffixes. For example, the filter could be based on a set ofISO/IED 7816-5 compliant prefixes and the whitelist could be a set ofsuffixes in that AID system and within the range of filtered prefixes.The suffixes could be added to the whitelist to allow the applicationsprocessor to communicate with specific NFC devices that have AIDS withprefixes that would otherwise be filtered and whitelisted suffixes. In aspecific implementation, the filter could include the list of AIDprefixes: 0xA00, 0x00, 0xA4, and 0x04, and the whitelist could includesuffixes to allow YubiKey and FIDO® compliant non-payment NFC cards tobe read in the unsecure mode. As such, the whitelist would be configuredto allow requests in prefixes 0xA00, 0x00, 0xA4, and 0x04 with suffixesof 0x05 and 0x27 for YubiKey and 0x06 and 0x47 for FIDO®. The whitelistcould simply be a list of these suffixes.

The whitelist can be implemented and maintained in various ways. Thewhitelist can be set by a manufacturer of the POS system. The whitelistcan also be expanded globally by request of application developers, oron a merchant-operator basis at request of those merchant-operators. Themanufacturer of the POS system could be capable of expanding thewhitelists of all POS systems owned by a given merchant-operator via anetwork connection in response to those requests. In specificembodiments, the party conducting those actions will be a POS networkadministrator. The POS network administrator and the POS manufacturercan be, but are not necessarily, the same entity.

In specific embodiments, the whitelist could be hard-coded onto thesecure processor. The hard coding could be decided and conducted by themanufacture of the POS system at the time of manufacture such that thedevice was deployed with the whitelist built in. The whitelist could bestored in a nonvolatile memory and instantiated by the discretemicrocontroller every time the device was turned on. The nonvolatilememory could be covered by tamper mesh 205. The whitelist could bestored in the same memory used for the first and second software stacksor for the cryptographic keys mentioned elsewhere if the discretemicrocontroller included those.

In specific embodiments, the applications microprocessor 204 could beconfigured to modify and update the whitelist through the course of thedevice's normal use. Although this may seem like it reintroduces asecurity vulnerability, care can be taken to assure that applicationssuch as application 208 are not capable of updating the whitelist. Forexample, each POS system could have a single secure service forcommunicating with the discrete microcontroller. The single secureservice could be located at an apex of the authority hierarchy in theapplications processor and POS system. In another example, only commandsaccompanied by a certificate signed by the main register applications ofthe applications processor could be found valid for purposes of updatingthe whitelist. In another example, the certificate could be signed by aserver responsible for managing a network of POS devices. Only updatesproperly signed by the server as detected by the secure processor wouldbe allowed to be applied to update the whitelist. In other example, asecret key held by the server and the secure processor could be used tosend encrypted updates to the whitelist down to the secure processorfrom a server. The updates could be administrated by a POS networkadministrator. For example, a request could be received from amerchant-operator of the POS system who was interested in using certainnon-payment related POS systems. The request could be analyzed by thePOS network administrator to determine if an AID associated with therequest was not also associated with a payment device, and the listcould be updated via a network connection if it was found to be anacceptable addition to the whitelist. In the same fashion, the POSnetwork administrator could remove entries from the whitelist ifindustry standards were modified to associate payment information withwhitelisted entries.

In specific embodiments of the invention, a POS network administratorcould maintain separate whitelists for groups of merchant-operators,each of which operated a network of POS terminals. Eachmerchant-operator could be associated with a whitelist stored by themanufacturer. The secure service mentioned above could be tasked withpulling the whitelist from the server using an identifier for themerchant-operator associated with the POS system, and injecting the datainto the discrete microcontroller. Third party applications, such asapplications 208, on the POS system could make a request to whitelist,which would start the above process after a review was conducted to makesure the address wasn't associated with a payment device, but the thirdparty applications would not have control over the updating service. Inthis way, various customer-merchants can have different whitelists whichare updated across their own POS networks from a central location.

The following is a sample code written in C that can be used toinstantiate a specific embodiment of the filter and whitelist of module302. The code is being provided for explanatory purposes as anillustration of code that can be used with specific embodiments of theinvention disclosed herein. The code could be compiled into a binaryfile for storage in a memory accessible to the discrete microcontrollerfor purposes of instantiating the filter. The code could be instantiatedas part of a remote procedure call. In this case, the remote procedurecall could be an OS_NFC_Write_RPC meaning the operating system of theapplications processor is providing information to be written via NFC.Sentences set off by double slashes are comments indicating theoperation of the code in plain language. In the illustrated case, thefilter is for any use of the following commands: PSE AID, PPSE AID, GETPROCESSING OPTIONS, and for SELECT commands using the followingprefixes: 0x00, 0xA4, 0x04, 0x00. The whitelist in this example isdesigned to allow for use of YubiKey and FIDO® NFC devices.

// The following defines variables equal to the binary data associatedwith the filter criteria. //SELECT PSE AID const char pse_aid[ ] ={0x31, 0x50, 0x41, 0x59,0x2E, 0x53, 0x59, 0x53, 0x2E, 0x44, 0x44, 0x46,0x30, 0x31}; //SELECT PPSE AID const char ppse_aid[ ] = {0x32, 0x50,0x41, 0x59,0x2E, 0x53, 0x59, 0x53, 0x2E, 0x44, 0x44, 0x46, 0x30, 0x31};// GET PROCESSING OPTIONS COMMAND const char gpo_cmd[ ] = {0x80, 0xA8,0x00, 0x00}; // PAYMENT CARD AID PREFIX const char pay_card_aid_prefix[] = {0xA0, 0x00, 0x00}; //SELECT CMD PREFIX const charselect_cmd_prefix[ ] = {0x00, 0xA4, 0x04, 0x00}; // The following is thewhitelist. It defines variables equal to the binary data associated withAID suffixes for the whitelisted NFC communication devices. const charyubikey_suffix[ ] = {0x05, 0x27}; const char fidoaid_suffix[ ] = {0x06,0x47}; // The following is the code for the filter and whitelist. It isall inside an if statement that checks to make sure the unsecure mode isactive. The variable in_ptr is a pointer for the input data from theOS_NFC_Write_RPC remote procedure call. The filter is run once per call.if(unsecure_active( )) { // The following obtains the AID from in_ptr. u8 *in_ptr = (u8 *)in;  char *aid_ptr = memmem(in_ptr, in_size,pay_card_aid_prefix, sizeof(pay_card_aid_prefix)); // The followingfilters SELECT PSE and SELECT PPSE command  if(memmem(in_ptr, in_size,pse_aid, sizeof(pse_aid)) != NULL) { // Input data is a SELECT PSEcommand. Input is filtered by doing nothing.  } else if(memmem(in_ptr,in_size, ppse_aid, sizeof(ppse_aid)) != NULL) { // Input data is aSELECT PPSE command. Input is filtered by doing nothing. // Thefollowing filters all SELECT commands unless the address is on whitelist } else if (aid_ptr != NULL) { char *select_ptr = aid_ptr − 5; char*aid_suffix = aid_ptr + 3;  if((aid_suffix != NULL) &&((memcmp(aid_suffix, yubikey_suffix, sizeof(yubikey_suffix)) == 0) | |(memcmp(aid_suffix, fidoaid_suffix, sizeof(fidoaid_suffix)) == 0))) { //SELECT commands for whitelisted addresses are passed through by beingwritten to the discrete microcontroller. simHandleWriteInterrupt(0,in_ptr, in_size);  } else if ((select_ptr != NULL) && (memcmp(select_ptr, select_cmd_prefix, sizeof(select_cmd_prefix)) ==0)) { // Input data is a SELECT command for a blocked address andaddress was not on whitelist. Input is filtered by doing nothing.  }else { // The following allows that data to pass through. The AID wasfound, but it was not in a SELECT command. simHandleWriteInterrupt(0,in_ptr, in_size); } // The following filters GET PROCESSING OPTIONScommands. } else if (memmem(in_ptr, in_size, gpo_cmd, sizeof(gpo_cmd))!= NULL) { // Input data is a GET PROCESSING OPTIONS command. Input isfiltered by doing nothing. } else { simHandleWriteInterrupt(0, in_ptr,in_size); // All commands that have not been filtered are passed throughby being written to the discrete microcontroller. } }

In the example above, the filtering mechanism is limited to allowingYubiKey and Fido AIDS for sake of explanation, but it can be expanded towhitelist more AIDS. The code snippet could be compiled into a binaryfile and then flashed onto the discrete microcontroller for storage. Thebinary file could also be stored in nonvolatile memory accessible to thediscrete microcontroller. The nonvolatile memory and discretemicrocontroller could each be located within a tamper mesh. The binaryfile could then be recalled from memory to instantiate the filter andwhitelist for the filter.

FIG. 4 includes a flow chart 400 of a set of methods for operating a POSsystem that uses a single NFC front end for at least two NFC protocols.The methods are disclosed with reference to the POS components of FIG.2. Steps located below a POS component in FIG. 4 are conducted by thatPOS component. The steps are provided in chronological order descendingthe page.

Steps 401-4 are conducted prior to the execution of step 406. In step401, a first software stack for a first NFC protocol is stored ondiscrete microcontroller 203. In step 402, a second software stack for asecond NFC protocol is stored on discrete microcontroller 203. Althoughthese two steps are shown as sequential in chronological order, thesesteps can be conducted in any order so long as they are completed beforestep 406 and can involve the software stacks mentioned above. At leastone of the software stacks can be provided by an authorized paymentprocessing standardization entity and can be loaded into discretemicrocontroller 203 in an unmodified original form. Prior or subsequentto the execution of steps 401 and 402, a step 403 of instantiating anoperating system for the POS system can be executed on applicationsmicroprocessor 204. The operating system can be an Android OperatingSystem or equivalent. The operating system can be used to instantiate amain register application for the POS system that is used by a merchantto interact with the POS system. The operating system can also be usedto instantiate supporting applications for the POS system such as aloyalty point tracker, merchant payroll application, and otherapplications that increase the functionality of the device. Theoperating system can also be used to instantiate services for theoperating system such as in step 404 when the operating system is usedto instantiate a master NFC service on the applications microprocessor.

The master NFC service that is instantiated in step 404 can beinstantiated by loading the service from firmware on the point of saledevice. The master NFC service could be an additional service that isprogrammed into the applications microprocessor by a POS manufactureafter the applications microprocessor was purchased. The master NFCservice could be configured to render discrete microcontroller 203transparent to the operating system on applications microprocessor 204.This approach allows the secure processor to be the first device toreceive payment data from the NFC front end in case the applicationsprocessor is compromised while at the same time requiring minimumchanges to an applications processor architecture that is designed toconnect directly to an NFC controller and front end. The master NFCservice could communicate with the operating system's NFC service andhide the complexities of interfacing with multiple NFC protocols fromthe operating system. The operating system's NFC service may be modifiedslightly in order to communicate with the master NFC service.

The master NFC service could receive requests from applications on theapplications processor via the built in NFC service of the operatingsystem to alter the NFC protocol currently being used to communicate onthe POS device. For example, an application on the POS system could betriggered by a user which required communication with an NFC tag such asa loyalty tracking system or some other application. The request couldbe used by the operating system to change the protocol beinginstantiated by the secure microcontroller. Prior to the NFC front enddigitizing an NFC communication signal as in step 405, the master NFCservice could execute a step 406 of selecting a software stack toinstantiate on the discrete microcontroller. The digitized NFC signalcould then be selectively processed using either the protocol providedby the first software stack as in step 407 or the second software stackas in step 408 depending upon which software stack was instantiated ondiscrete microcontroller. Furthermore, the master NFC service could beconfigured to time multiplex the two protocols by repeating step 406 andalternating between the two stacks in accordance with a predeterminedtime interval.

The switching mechanism used to transition the POS system betweendifferent modes and the manner in which the NFC communication servicecan render the discrete microcontroller transparent to the operatingsystem can be described with reference to FIGS. 5-9. The elements ofblock diagram 500 in FIG. 5 are similar to those of block diagram 200 inFIG. 2 and like components are labeled using the same reference numbers.However, block diagram differs as to the illustrated connections betweenthe components. Again, the connections can be implemented by buses,inter-processor lines, cables, and traces on a printed circuit board. Inparticular, line 501 could be a GPIO bus, line 502 could be a USB, line503 could be a data bus, and line 504 could be an SPIO bus. Theconnections will be referred to during the discussion of the ladderdiagrams on FIGS. 6-9. In FIGS. 6-9, the first NFC protocols could bethe EMV Co L1 protocol and the second NFC protocol could be the NFCForum Reader/Writer protocol.

A POS system in accordance with the approaches disclosed herein can beprogrammed to implement many potential varieties for how a mode controlswitch is initiated. For example, mode control could be initiated on theapplications processor side of the POS terminal via a request for NFCprocessing by an application instantiated by the operating system. Asanother example, mode control could be initiated on the NFC Front End ordiscrete microcontroller side in response to detecting informationassociated with a given protocol in an incoming NFC signal. If the NFCfront end or discrete microcontroller detected payment information in anincoming NFC signal, the POS system could immediately switch to apayment processing mode. If any software stack on the discretemicrocontroller detected a failed communication, the POS terminal couldautomatically switch to a different mode to retry the communication witha different protocol. As another example, the POS system could beconfigured to switch into a time multiplexing mode control state wherethe NFC front end was continually transitioned between modes withdifferent associated NFC communication protocols to detect if acommunication via that particular NFC communication protocol wascurrently required. Furthermore, the POS systems can utilize differentvarieties for mode switching based on whether they are transitioninginto or out of a given mode. For example, one mode could be favored suchthat the associated NFC protocol was always allowed to finish beforeswitching out of the mode, and alternative protocols would always beimmediately interrupted when switching into the mode. The POS systemscould be configured to favor a payment processing mode and itsassociated payment processing protocol over other modes. As anotherexample, the POS system could be in a payment processing mode by defaultand only transition out of that mode temporarily when a request to do sowas received.

FIG. 6 includes a ladder diagram 600 for a method of controlling theswitch over between different modes in a POS system. The two modes areassociated with two different software stacks for two different NFCprotocols. In this example, the first NFC protocol could be a paymentprocessing protocol and the second NFC protocol could be an NFC FormReader/Writer protocol. At the top of ladder diagram 600 the device isoperating in a payment processing mode with a first software stackinstantiated on discrete microcontroller 203. Ladder diagram 600 beginswith step 601 of enabling a second software stack via an application onapplications microprocessor 204. The application can be a loyaltyprogram application running on applications microprocessor 204 that isrequesting information from a user's store card with an integrated NFCtag. In step 602, the applications processor sends this update to thediscrete microcontroller using a master communication service onapplications microprocessor 204. The master communication service couldbe the only system on applications microprocessor 204 that directlycommunicates with discrete microcontroller 203. The master communicationservice triggers a remote procedure call (RPC) to tell discretemicrocontroller 203 to instantiate the second software stack for asecond NFC protocol. The remote procedure call can be sent on USB 502.Discrete microcontroller 203 can then conduct a step 603 in which asignal is sent to NFC front end 202 to initialize the front end for thesecond NFC protocol. NFC front end 202 could then send anacknowledgement to discrete microcontroller 203 in a step 604 to confirmthat the front end is configured for the second protocol. Discretemicrocontroller 203 could then send a response to the remote procedurecall in a step 605 to inform applications microprocessor 204 that thefront end is initialized for the second protocol. Applicationsmicroprocessor 204 could then generate an event observer in a step 606to await a signal that the data from the second protocol is available.

After the front end is initialized it could begin to receive data viathe NFC antenna and digitize data received in accordance with theReader/Writer protocol in a step 607. The digitized data could then betransferred to the discrete microcontroller 203 in a step 608. The datacould then be buffered on discrete microcontroller 203 in a step 609.Discrete microcontroller 203 could then send an interrupt toapplications microprocessor 204 to indicate that the data was ready asin step 610. The interrupt could be sent on GPIO bus 501 and could bedetected by the event observer generated in step 606. Discretemicrocontroller 203 could also send an optional signal to the NFC frontend to power down the antenna and front end in a step 611 to save power.Alternatively, discrete microcontroller 203 could send a signal to theNFC front end to initialize for operation with the first protocol in astep 612. This step could be used in a situation in which the POSterminal was configured to operate in the first mode by default.

The data from the second operating mode could ultimately be delivered toapplications microprocessor 204 via a second remote procedure call usingthe master communication service to request the data from discretemicrocontroller 203 in a step 613. The second remote procedure callcould originate with the NFC service of the operating system ofapplications microprocessor 204. The master communication service wouldissue this request after processing the interrupt informing the servicethat the data was available in step 610. The data could be returned in astep 614. Finally, the data could be parsed and broadcast to anyapplications that had registered with the operating system ofapplications microprocessor 204 to receive the data in a step 615. In aspecific approach, the same application that lead to the execution ofstep 601 could be an application that was registered to receive thedata. Finally, step 612 of reinitializing the front end for the firstprotocol could be conducted at a later time after the antenna had beenoff for a certain amount of time such that both steps 611 and 612 wereexecuted. Step 612 could also be accompanied by discrete microcontroller203 reinstantiating the first software stack.

FIG. 7 includes a ladder diagram 700 for a method of controlling theswitch over between different modes in a POS system. Like steps indiagram 700 are labeled with like reference numbers from FIG. 6. Ladderdiagram 700 differs it that it illustrates one way in which the POSsystem can favor a first NFC protocol over a second NFC protocol. Forexample, the POS system could favor a payment processing NFC protocolover a more basic or unsecure NFC protocol. The timing of the paymentprocessing NFC protocol could be constrained more tightly than thetiming of the alternative NFC protocol. In this example, the first NFCprotocol could be a payment processing protocol and the second NFCprotocol could be an NFC Form Reader/Writer protocol. As with FIG. 6,the request for the second protocol will be acknowledged, and theprocess will continue all the way through step 608. However, in theillustrated variant, payment data is detected in the data being read bythe discrete microcontroller in a step 701. As the processing of paymentdata is favored, the discrete microcontroller could send a data failinterrupt to applications microprocessor 204 in a step 702. Theinterrupt could be received by the event observer generated in step 606.Applications microprocessor 204 would then wait until a later time tosend another remote procedure call while discrete microcontrollerconducted step 612 to allow for processing of the payment data inaccordance with the first NFC protocol.

FIG. 8 includes a ladder diagram 800 for a method of controlling theswitch over between different modes in a POS system. Like steps indiagram 800 are labeled with like reference numbers from FIG. 6. Ladderdiagram 800 differs it that it illustrates one way in which the POSsystem can favor a first NFC protocol over a second NFC protocol. Forexample, the POS system could favor a payment processing NFC protocolover a more basic or unsecure NFC protocol. The timing of the paymentprocessing NFC protocol could be constrained more tightly than thetiming of the alternative NFC protocol. In this example, the first NFCprotocol could be a payment processing protocol and the second NFCprotocol could be an NFC Form Reader/Writer protocol. In the illustratedexample, the first NFC protocol is actively conducting a communicationsession and the front end is digitizing payment data in a step 801. Assuch, and since the first NFC protocol is favored, the request forinitializing the second software stack associated with the second NFCprotocol in step 602 will be answered by a negative acknowledgment instep 802. In this variant, the remaining steps of ladder diagram 600would not be executed and the applications processor would wait until alater time to send another remote procedure call. Specifically,applications microprocessor 204 would wait for a preprogrammed back offperiod 803 before repeating steps 601 and 602. The back off period couldbe set proportional to the average time required to conduct a paymentprocessing routine. As such, discrete microcontroller 203 would havetime to receive payment information from NFC front end 202 in a step804, and encrypt the payment information in a step 805, prior toreceiving a subsequent remote procedure call from applicationsmicroprocessor 204. The back off period could also be configured toincrease on further iterations if a subsequent remote procedure callreceived a negative acknowledgement.

FIG. 9 includes a ladder diagram 900 for a method of controlling theswitch over between different modes in a POS system. Like steps indiagram 900 are labeled with like reference numbers from FIG. 6. Ladderdiagram 900 differs it that it illustrates one way in which the POSsystem can favor a first NFC protocol over a second NFC protocol. Forexample, the POS system could favor a payment processing NFC protocolover a more basic or unsecure NFC protocol. The timing of the paymentprocessing NFC protocol could be constrained more tightly than thetiming of the alternative NFC protocol. In this example, the first NFCprotocol could be a payment processing protocol and the second NFCprotocol could be an NFC Form Reader/Writer protocol. In ladder diagram900, steps 601-608 are conducted as in ladder diagram 600. However, in astep 901, an application on applications microprocessor 204 will requestthe initialization of a first NFC communication mode or data that canonly be obtained via said mode. As a result, the master communicationservice on applications microprocessor 204 may generate a remoteprocedure call to instantiate the first software stack on discretemicrocontroller 203 in a step 902. In response, and because theillustrated approach favors the first mode over the second mode, thedata that has been buffered in discrete microcontroller 203 in step 608is discarded in a step 903. The discrete microcontroller will then alsoinstantiate the first software stack and send a control signal to NFCfront end 202 to initialize the front end for the first NFC protocol ina step 904. The event observer generated in step 606 can subsequentlytime out or receive a negative response from discrete microcontroller203.

The approaches described with reference to FIG. 6-9 can be augmentedwith various additional aspects. For example, the use of timemultiplexing between different modes of operation can be applied toassure that the appropriate protocol is being applied to communicatewith alternative devices. Indeed, the default mode of operation for thedevice could involve an interleaved operation of the different NFCprotocols on the device. In these situations, each stack on the discretemicrocontroller would run for a specific time slot and then turns off tohandover the control to another other stack. If one of the stacks was apayment processing protocol, this could increase the latency, but themerchant experience would be seamless. Also, if any communicationbetween NFC front end and an external device fails, a different protocolcan be selected at random or based on any information that was obtainedduring the failed communication, to complete the communication sessionwith the external device. Any of the control signals described in theladder diagrams can be sent to the NFC front end on SPIO bus 504 anddata can be sent between the two blocks on data bus 503. Any of theinterrupts sent from discrete microcontroller 203 to applicationsmicroprocessor 204 in the ladder diagrams could be sent on GPIO bus 501and any data sent between the two blocks can be sent on USB 502.

The specific example of a dual-use NFC front end that is capable ofbeing used to process NFC tags in an NFC read/write mode and also toprocess payments using the EMVCo L1 standard is used throughout thisdisclosure as a non-limiting example of the approaches that aredisclosed herein. However, the approaches disclosed herein can beutilized to make use of the same NFC front end for multiplecommunications protocols. Furthermore, the approaches disclosed hereincan be utilized for any kind of short range wireless communicationstechnology and radio frequency identification (RFID) communicationprotocols including ISO/IEC 14443, JIS-X 6319-4, ISO/IEC 18092, EMVCospecifications, any NFC Forum specification (e.g. NFC-A, NFC-B, NFC-F),and any contactless card technology specification generally.

While the specification has been described in detail with respect tospecific embodiments of the invention, it will be appreciated that thoseskilled in the art, upon attaining an understanding of the foregoing,may readily conceive of alterations to, variations of, and equivalentsto these embodiments. Any of the method steps discussed above can beconducted by a processor operating with a computer-readablenon-transitory medium storing instructions for those method steps. Thecomputer-readable medium may be a memory within a personal user deviceor a network accessible memory. Although examples in the disclosure weregenerally directed to a device configured to operate with two differentprotocols, the approaches could be directed to a device configured tooperate with any number of different protocols so long as the NFC frontend could be tuned to receive electromagnetic signals in accordance withthe OSI physical level of that protocol. These and other modificationsand variations to the present invention may be practiced by thoseskilled in the art, without departing from the scope of the presentinvention, which is more particularly set forth in the appended claims.

What is claimed is:
 1. A point of sale system that selectively operatesin an unsecure mode and a secure mode comprising: an applicationsmicroprocessor programmed to generate a set of data packets; a filterand a whitelist for the filter for filtering the set of data packetsfrom the applications microprocessor when operating in the unsecuremode; a near field communication front end communicatively coupled withan antenna, for transmitting a near field communication signal based oninformation from the set of data packets via the antenna, a firstsoftware stack, for a first near field communication protocol; and asecond software stack, for a second near field communication protocol;wherein the near field communication front end digitizes an incomingnear field communication signal received on the antenna to produce adigitized incoming near field communication signal, wherein the point ofsale system is programmed to selectively instantiate: (i) the firstsoftware stack exclusive to the second software stack to process thedigitized incoming near field communication signal when the point ofsale system is operating in the unsecure mode; and (ii) the secondsoftware stack exclusive to the first software stack to process thedigitized incoming near field communication signal when the point ofsale system is operating in the secure mode, wherein the first softwarestack and second software stack are independent, and wherein the firstnear field communication protocol and the second near fieldcommunication protocol are different and incompatible.
 2. The point ofsale system of claim 1, wherein: the whitelist is based, at least inpart, on a list of ISO/IEC 7816 registered application identifiersuffixes.
 3. The point of sale system of claim 1, wherein: the filter isbased, at least in part, on a list of ISO/IEC 7816 registeredapplication identifier prefixes.
 4. The point of sale system of claim 1,wherein: the applications microprocessor is further programmed to updatethe whitelist for the filter.
 5. The point of sale system of claim 1,further comprising a discrete microcontroller; wherein: the digitizednear field communication signal is processed by the discretemicrocontroller in the secure mode, and the discrete microcontrollerpasses the digitized near field communication signal through to theapplications microprocessor in the unsecure mode.
 6. The point of salesystem of claim 5, wherein the discrete microcontroller includes asecure processor, the near field communication front end iscommunicatively coupled with the discrete microcontroller via a trace ona printed circuit board, the applications microprocessor and thediscrete microcontroller are discrete devices on the printed circuitboard, and the discrete microcontroller is covered by a tamper mesh. 7.The point of sale system of claim 1, wherein the first software stackand the second software stack are stored in a nonvolatile memory, andwherein the first software stack is for a near field communication tagread/write protocol and the second software stack is for a paymentprocessing protocol.
 8. A method for operating a point of sale system ineither an unsecure mode or a secure mode, comprising: generating a setof data packets using an applications microprocessor; filtering the setof data packets using a filter and a whitelist for the filter, whenoperating in the unsecure mode; generating a near field communicationsignal based on the set of data packets using a near field communicationfront end coupled with an antenna; transmitting the near fieldcommunication signal using the antenna, storing a first software stackfor a first near field communication protocol; storing a second softwarestack, for a second near field communication protocol; digitizing, usingthe near field communication front end, an incoming near fieldcommunication signal received on the antenna to produce a digitizedincoming near field communication signal; and selectively instantiating:(i) the first software stack exclusive to the second software stack toprocess the digitized incoming near field communication signal when thepoint of sale system is operating in the unsecure mode; and (ii) thesecond software stack exclusive to the first software stack to processthe digitized incoming near field communication signal when the point ofsale system is operating in the secure mode, wherein the first softwarestack and second software stack are independent, and wherein the firstnear field communication protocol and the second near fieldcommunication protocol are different and incompatible.
 9. The method ofclaim 8, wherein: the whitelist is based, at least in part, on a list ofISO/IEC 7816 registered application identifier suffixes.
 10. The methodof claim 8, wherein: the filter is based, at least in part, on a list ofISO/IEC 7816 registered application identifier prefixes.
 11. The methodof claim 8, further comprising: updating, by the applicationsmicroprocessor, the whitelist for the filter.
 12. The method of claim 8,wherein: the point of sale system includes a discrete microcontroller,and further comprising: processing, by the discrete microcontroller whenin the secure mode, the digitized near field communication signal; andtransmitting, by the discrete microcontroller when in the unsecure mode,the digitized near field communication signal through to theapplications microprocessor.
 13. The method of claim 12, wherein thediscrete microcontroller includes a secure processor, the near fieldcommunication front end is communicatively coupled with the discretemicrocontroller via a trace on a printed circuit board, the applicationsmicroprocessor and the discrete microcontroller are discrete devices onthe printed circuit board, and the discrete microcontroller is coveredby a tamper mesh.
 14. The method of claim 8, wherein: the first softwarestack and the second software stack are stored in a nonvolatile memory,the first software stack is for a near field communication tagread/write protocol, and the second software stack is for a paymentprocessing protocol.
 15. A point of sale system that selectivelyoperates in an unsecure mode and a secure mode comprising: anapplications microprocessor programmed to generate a set of datapackets; a filter for filtering packets from the set of data packetsgenerated by the applications microprocessor when operating in theunsecure mode; a whitelist for the filter, to allow packets from the setof data packets generated by the applications microprocessor that werefiltered out by the filter to pass through; a first software stack, fora first near field communication protocol; and a second software stack,for a second near field communication protocol; wherein: packets fromthe set of data packets generated by the applications microprocessorthat are not filtered are delivered to a near field communication frontend to allow the near field communication front end to produce a nearfield communication signal based on information in the packets, packetsfrom the set of data packets generated by the applicationsmicroprocessor that are filtered are not delivered to the near fieldcommunication front end for conversion into a near field communicationsignal; the near field communication front end digitizes an incomingnear field communication signal to produce a digitized incoming nearfield communication signal, wherein the point of sale system isprogrammed to selectively instantiate: (i) the first software stackexclusive to the second software stack to process the digitized incomingnear field communication signal when the point of sale system isoperating in the unsecure mode; and (ii) the second software stackexclusive to the first software stack to process the digitized incomingnear field communication signal when the point of sale system isoperating in the secure mode, wherein the first software stack andsecond software stack are independent, and wherein the first near fieldcommunication protocol and the second near field communication protocolare different and incompatible.
 16. The point of sale system of claim15, wherein: the whitelist is based, at least in part, on a list ofISO/IEC 7816 registered application identifier suffixes.
 17. The pointof sale system of claim 15, wherein: the filter is based, at least inpart, on a list of ISO/IEC 7816 registered application identifierprefixes.
 18. The point of sale system of claim 15, wherein: theapplications microprocessor is further programmed to update thewhitelist for the filter.
 19. The point of sale system of claim 15,further comprising a discrete microcontroller, wherein: the digitizednear field communication signal is processed by the discretemicrocontroller in the secure mode, and the discrete microcontrollerpasses the digitized near field communication signal through to theapplications microprocessor in the unsecure mode.
 20. The point of salesystem of claim 19, wherein the discrete microcontroller includes asecure processor, the near field communication front end iscommunicatively coupled with the discrete microcontroller via a trace ona printed circuit board, the applications microprocessor and thediscrete microcontroller are discrete devices on the printed circuitboard, and the discrete microcontroller is covered by a tamper mesh. 21.The point of sale system of claim 15, wherein the first software stackand the second software stack are stored in a nonvolatile memory, andwherein the first software stack is for a near field communication tagread/write protocol and the second software stack is for a paymentprocessing protocol.